| Metric | The Settlers Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.4% | +3.2 pts |
| Deposit growth (YoY) | +7.8% | +4.0% | +3.8 pts |
| Loan growth (YoY) | +10.1% | +5.6% | +4.5 pts |
| ROA | 1.83% | 1.24% | +0.6 pts |
| ROE | 11.3% | 11.9% | -0.6 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $142.4M | $119.1M | $91.8M | $22.9M | $1.3M | 1.83% | 4.68% | 0.12% |
| Q1 2026 | $140.2M | $116.9M | $89.8M | $22.6M | $550K | 1.59% | 4.55% | 0.10% |
| Q4 2025 | $136.9M | $113.7M | $87.8M | $22.6M | $2.9M | 2.16% | 4.78% | 0.08% |
| Q3 2025 | $135.3M | $112.5M | $84.3M | $22.4M | $2.2M | 2.22% | 4.77% | 0.08% |
| Q2 2025 | $132.5M | $110.5M | $83.4M | $21.6M | $1.2M | 1.84% | 4.70% | 0.14% |
| Q1 2025 | $133.6M | $111.8M | $78.4M | $21.3M | $565K | 1.70% | 4.50% | 0.14% |
| Q4 2024 | $132.3M | $110.8M | $78.2M | $20.9M | $2.3M | 1.81% | 4.70% | 0.00% |
| Q3 2024 | $130.8M | $109.4M | $77.2M | $21.0M | $1.7M | 1.77% | 4.67% | 0.00% |
Loan mix (Q2 2026): real estate $84.6M · commercial $3.4M · consumer $5.3M · securities $25.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Settlers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 1.24% | 81st | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 11.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.68% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.5% | 62.9% | 17th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | The Settlers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | The Settlers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | The Settlers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | The Settlers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | The Settlers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024) · $110.5M branch deposits. Biggest market: Washington, OH, ranked 5th with 3.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washington, OH | 1 | $110.5M | 3.91% | 5th |
Ohio: 200th with 0.02% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1